Sorry about that - 1/4 time consulting is paying me more than my wages my final year of FT employment so I took nothing from IRAs. Our expenses didn't increase since they used to include kid stuff and don't really anymore.

I honestly don't track our expenses anymore so I'll bow out.

When my husband does retire, he'll get 100% of his salary and our state doesn't tax pension income so there will be an increase in spendable money there(~4.75%). Add ss if it's there in 10 years. The nest egg issue will be projecting RMDs and deciding if starting distributions at 59.5 and moving that to taxable accounts is a better choice.

We assumed neither pension nor SS would come through so we started IRAs in our 20s and took all the matching money offered in 401Ks.

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